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Sold

Sold·Closed Sep 11, 2026·125 days on market

2418 Jennings Farm Drive

Middleburg, FL 32068

$415,000sold priceListed at $421,990 · 98.3% of asking$189/sqftMLS# 2135826
4
Beds
3
Baths
2,190
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $110/mo7,405 sqft lotWaterfrontSingle Family Residence2 storiesNew construction

About this home

Middleburg

MOVE IN READY Introducing the Camden BONUS This 4 bedroom, 3 bathroom, 2-car garage residence is a harmonious blend of style, functionality, and superior craftsmanship. Upon entering, you'll be captivated by the warm and inviting ambiance created by the Luxury vinyl flooring that grace the open-concept living areas. The heart of the home, the gourmet kitchen, is a true masterpiece, featuring exquisite quartz countertops that not only elevate the aesthetic but also provide unparalleled durability. Complementing the countertops are the elegant 42-inch cabinets, offering ample storage space while seamlessly integrating into the contemporary design. Beyond its remarkable finishes, the Camden promises an array of thoughtfully curated features that elevate your everyday living experience.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,299
Property taxesest. at asking price, Clay County$636
HOAbilled annually$110
Estimated total, before insurance$3,045/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,159/yr · $97/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$415,000
$83,000
Loan Term
Monthly Payment
$2,299
Principal & Interest: $2,299
Property taxes (est.): $636
Insurance (est.): $277
Estimated Total Monthly
$3,211
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$76,000$76,000—
2024$76,000$76,000—

2025 property taxes (current owner): $1,159/yr

Estimated taxes if purchased at asking price: ~$7,600/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

History

Price & status history

  • Sep 11, 2026Closed$421,990
  • Jul 22, 2026Pending$421,990
  • Mar 19, 2026Listed$421,990

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $227/sq ft; this home is listed at $193/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3983 Gareys Ferry Way, Middleburg, FL 32068Listed by LGI REALTY - FLORIDA, LLCSep 2026$420,000$2274/21,8476370.1
3957 Gareys Ferry Way, Middleburg, FL 32068Listed by MOMENTUM REALTYAug 2026$434,900$2094/2.52,085430.1
2333 Jennings Farm Drive, Middleburg, FL 32068Listed by KELLER WILLIAMS FIRST COAST REALTYSep 2026$576,857$2314/32,49300.2
2420 Pemrose Loop, Middleburg, FL 32068Listed by LGI REALTY - FLORIDA, LLCJul 2026$383,900$2503/21,536450.3
2140 Tom Thumb Road, Middleburg, FL 32068Listed by WATSON REALTY CORPSep 2026$335,000$1913/21,757560.9
3967 Lake Crest Terrace, Middleburg, FL 32068Listed by FREEDOM REALTY GROUP LLCSep 2026$347,500$1534/32,274961.5

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$421,990
Price / Sq Ft$193
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,190
Acres0.17 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes
New ConstructionYes

School Information

ElementaryMiddleburg
MiddleLake Asbury

Community Information

Address2418 Jennings Farm Drive, Middleburg, FL 32068
Area142-Middleburg East
SubdivisionJennings Farm
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size7,405.2 sq ft
Parcel Number07052500907600426
ZoningResidential

Amenities

AmenitiesPool, Dog Park, Gated, Park, Pickleball, Playground
UtilitiesCable Available, Cable Not Available, Electricity Available, Electricity Connected, Electricity Not Available, Natural Gas Available, Natural Gas Connected, Natural Gas Not Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
Waterfront TypeCreek, Pond

Interior

Interior FeaturesBreakfast Bar, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Oven, Gas Range, Microwave
HeatingHeat Pump, Natural Gas
CoolingCentral Air, Electric
# of Stories2
LevelsOne
SecuritySecurity Gate, Smoke Detector(s)

Exterior

Lot DescriptionCleared
Patio / PorchCovered, Porch
RoofShingle
ConstructionWood Siding
Road SurfacePaved

Additional Information

Date ListedMarch 20, 2026
Days on Market125
HOA Fees$1,320 / Annually
HOA FrequencyAnnually
HOA NameJennings Farm Homeowner’s Association
Tax Amount$1,159.18
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 11, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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